Review and analysis of over 53 Credit Card complaints against Synchrony Bank
Synchrony Bank consumers have reported over 53 official complaints related to Credit card. Out of the 53 consumer complaints against Synchrony Bank, 9% were disputed by the consumer (i.e. the consumer was not happy with how Synchrony Bank responded to their complaint) and 100% were processed in a timely manner. 11% of consumer complaints against Synchrony Bank resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 23% resulted in non-monetary compensation.
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Synchrony Bank Debt collection cont'd attempts collect debt not owed debt was paid December 18, 2015 - Have received - to - ROBO calls from Synchrony Bank daily related to Amazon credit card. I did use this card and scheduled - payments -, - and - to pay off the charges ( 6 months interest free if paid ). First payment is -/-/15. This was based on their payment schedule. Their system when trying to connect from the phone calls was failing to transfer to a person until tonight. ... |
Synchrony Bank Debt collection disclosure verification of debt not given enough info to verify debt December 16, 2015 - I contacted - - and spoke with - - in the debt verification department regarding an account that should no longer be reported on my credit file. My original debt was with GE Bank which is now SYNCB Bank. My first date of delinquency was - 2008. This date was confirmed with the original creditor AND - - also confirmed that the date of the last payment was - 2008, however, - - stated that that information does not state that that was the FIRST date of delinquency. This statement by - - makes no sense being that the original creditor already confirmed this. Thi... |
Synchrony Bank Debt collection communication tactics used obscene/profane/abusive language December 15, 2015 - After repeatedly attempts of me telling them no. I ca n't make out start a payment today, I got transferred to the manager on duty. Right of the bat she spoke to me as an inferior. She would ask questions while taking but not stopping to give me a chance to answer. When she did stop I would start to answer the first party of get questions then she would start back up and start taking over me talking. I asked her to let me answer and she would just keep talking over me and not let me get one word in. I was getting really frustrated. I mentioned I was thinking about filling bankruptcy, she accus... |
Synchrony Bank Debt collection cont'd attempts collect debt not owed debt is not mine December 13, 2015 - I did have a Mervyn 's account ( -? ) but when the store closed in our area in -, I paid off my account and closed it. I JUST got a letter from - - - ( - - ) saying that this account was " charged off as an unpaid delinquent debt on - '' but - wants me to pay them $370.00! I do not owe this money and asked the credit agencies ( - etc ) to remove this from my credit reports. ... |
Synchrony Bank Debt collection false statements or representation attempted to collect wrong amount December 11, 2015 - Failing to honor a mandatory arbitration clause in my credit card agreement. I received a summons on a debt from - credit and immediately requested arbitration. They continued with the lawsuit against me and we arrived at court on - -. The lawyer representing them is - - -. I brought a copy of my agreement obtained from - He immediately questioned the validity of of that agreement because it was dated -/-/-. I went home and printed yet another agreement from -/-/-, both having the same arbitration clause. He is now asking for summary judgment and I have a new cou... |
Synchrony Bank Debt collection improper contact or sharing of info talked to a third party about my debt December 4, 2015 - I have an agreement in place with - - - ( - ) to payoff my Sam 's Club Discover credit card with monthly electronic fund transfers from my personal checking account. I 've covered all monthly payments, as agreed, starting -/-/-. In -/-/-, notice the latency, I received a letter from - to " collect a debt '' and discuss payment options that I ignored because we already have an agreement in place with - covered payments. - disclosed the debt to credit bureaus, according to -, to " report payments ''. Due this action, my credit score took a dive of - points. -... |
Synchrony Bank Debt collection cont'd attempts collect debt not owed debt was paid December 2, 2015 - My account with Banana republic is paid completely and closed -/-/-. As a matter of fact, they sent me a check back for overpaid owed money $600.00. Yet some how the account was reported as charged off -/-/-, despite that it is been paid and closed -/-/- The account has been sold to - different collection agencies ever since. As of now the account sits on the credit report as in collection and a separate collection agency for the account is there too which is ruining my credit and score. I disputed the item with all all the collection agencies and Banana Republic but got no... |
Synchrony Bank Debt collection cont'd attempts collect debt not owed debt was paid December 2, 2015 - I have been receiving calls and collection statements from - - -. I paid this debt in a settlement in - 2015. I have disputed the debt with the credit bureaus but They continue to call me and to collect on the debt. ... |
Synchrony Bank Debt collection disclosure verification of debt right to dispute notice not received December 2, 2015 - Did not recieve dummy letter which allows me to ask them to validate the accounts. That is a violation of the FDCPA. ... |
Synchrony Bank Debt collection disclosure verification of debt right to dispute notice not received December 2, 2015 - They did not mail me a dummy letter with the option to have them validate the debt. Violation of FDCPA. ... |
Synchrony Bank Debt collection disclosure verification of debt right to dispute notice not received December 2, 2015 - Again did not recieve letter with rights to validate debt. Violates the FDCPA. ... |
Synchrony Bank Debt collection disclosure verification of debt right to dispute notice not received December 2, 2015 - I did not recieve a notice to validate the debt. They are stilling trying to collect on it. That is a violation of the FDCPA and FCRa because they are also reporting it on my credit report. ... |
Synchrony Bank Debt collection communication tactics frequent or repeated calls December 2, 2015 - Recently opened up a Walmart credit card under a promotion of no interest for 24 months if your purchase exceeds a certain amount ( which mine did ). I purchased merchandise in preparation of grad school with the intent of paying a little back from each paycheck I receive from the school. I paid three payments then when the fourth one was due it slipped my mind as I became extremely busy with papers, homework, etc. I thought it was due -/-/- when in reality it was due -/-/-, but I found this out because after i missed the deadline ( 7 days later ) i started receiving calls from a rob... |
Synchrony Bank Debt collection communication tactics frequent or repeated calls November 30, 2015 - GE Capital called - times between -/-/15 and -/-/15 about my Sam 's club credit card. My hours were cut at work from - to - per week so my -/-/- payment I could only pay them $100.00 instead of $180.00. The - times they called they wanted the other $83.00 even though I told them my hours had been cut and this was all I could afford. They conyinued to call stating they were tacking on late fees until I finally blocked the calls on my phone. I believe this is harassment. I 'm sorry I ever got an account with them. I have n't used the card in over 3 years and al... |
Synchrony Bank Debt collection taking/threatening an illegal action threatened to sue on too old debt November 24, 2015 - An unidentified law firm representing GE Money Bank called from a blocked number stating their processor has failed at delivering documents pertaining to a civil suit case that is being handled by said firm. The person with whom I spoke said her name was - but did not give any information about the firm she was calling for or give me any contact information. She threatened that her firm was going to follow through with a civil suit to obtain a default judgment. The account in question is not mine and I have no knowledge of this account 's existence. - stated the account was closed -/-/... |
Synchrony Bank Debt collection communication tactics frequent or repeated calls November 24, 2015 - I received a call from - which belongs to a - - -. They left no message. When I checked my credit report this appears to be an old American Eagle credit card through GE Bank? I believe that this paid in full through a third party years ago as I do not have an account with them now. I have not received any written notice of this attempt to collect this debt and I will request that they Cease and Desist any further collection attempts. ... |
Synchrony Bank Debt collection cont'd attempts collect debt not owed debt resulted from identity theft November 22, 2015 - Today is my - anniversary living in the U.S., I came to this country with my husband and my - children on -/-/-. My husband submitted a - on the same year -, and we got a recommendation for approval by - -. I was able to issue my social security card after I got my employment authorization document, it was around - -. As a new comer and with lack of - skills I was n't aware of the Identity theft cases that are very common in this country, even though I had learned from my husband how to protect my SS number from potential ID stealers. By -, I received a ... |
Synchrony Bank Debt collection false statements or representation attempted to collect wrong amount November 17, 2015 - -/-/2013, I ran into Old Navy to get a bag and my daughter a swim suit for a trip we were heading to. However, the cashier asked if I would like a discount card to recieve coupons, I said yes. However, she never did say it was a credit card at all! So after she said I did n't owe any cash, I knew something was wrong, I then asked her how that was possible, she said you just signed for a card with us. I then told her I did not want one and to make it stop and I 'd pay cash, it was miscommunication. She then went on to tell me It was to late, I needed to contact her Supervisor, never did get a... |
Synchrony Bank Debt collection taking/threatening an illegal action sued w/o proper notification of suit November 17, 2015 - I have a complaint against this debt collector, - - -. They have me listed for an account number -. I requested - times for them to send me more information related to this account and how I could possibly owe $1600.00. I recall having a card with Walmart but I know I did not run the balance up so high and I wanted to see if someone stole my identity and was out making charges. They only sent me a final statement or - but nothing breaking down all the charges ( including where and when they were made ). They never sent me any documents relating to me opening the account eit... |
Synchrony Bank Debt collection cont'd attempts collect debt not owed debt resulted from identity theft November 17, 2015 - On or about - of 2015, - contacted me about certain JC PENNY credit card debt account # -. I personally notified -, that I dispute the validity of this debt and requested that they validate the debt under FDCA ,15 USC 1692, to which they failed to do so. However, in violation of the FDCA, -, unlawfully continued attempt to collect on an illegal debt in clear violation of my FCRA and Privacy Rights, causing and preventing me from obtaining new credit, secure adequate housing and or a meaningful employment. Furthermore, I advised -, that this debt was a direct result of ID TH... |
Synchrony Bank Debt collection cont'd attempts collect debt not owed debt resulted from identity theft November 17, 2015 - While reviewing my -, - & - credit report, I discovered that a fraudulent collection has been placed on profile .I have specifically advised and requested - - - - - that this debt was as a direct result of ID THEFT of LOST/STOLEN CREDIT CARD which was noted on the account. Nonetheless, - - - continues to disregard my request in clear violation of - ; FCRA and my PRIVACY RIGHTS, causing me to be denied adequate housing, meaningful employment and or obtain new credits. I have maintained that - must validate the DEBT under - and conduct a through invest... |
Synchrony Bank Debt collection cont'd attempts collect debt not owed debt was paid November 16, 2015 - I have a complicated issue with an old charge account. The original creditor was GE Capital, now Syncrony Bank. Some background on this issue is that my sister and I had the same surname and lived at the same address, our ssn 's are identical except for - digits being transposed. We both had GE capital cards at the time and if information got applied to the wrong account it would not be the first time. On my card I bought furniture that was delivered damaged, after - attempts to repair it I was told by the sales manager he would apply a 10 % discount to the account I made the purchase on... |
Synchrony Bank Debt collection false statements or representation attempted to collect wrong amount November 15, 2015 - I was sent a letter to owe the amount of $51.00 on my BANANA REPUBLIC credit card account. I paid off all amount that was due on that credit card and it currently shows on my online account that I have no amount due at this time. The last payment I paid in full was in - -, 2015. I do not understand why I am receiving a letter from the collection department for an amount that I did not even spend. Please fix this false statement. ... |
Synchrony Bank Debt collection communication tactics used obscene/profane/abusive language November 14, 2015 - I, -, received - collection letters from - - - where they are showing the bar code in plaint view for anyone to see. To be clear here, I choose " Communication Tactics '' and choose the third option " Used, obscene, profane or other abusive language. '' I could not find an exact description of my issue with respect to the - Code. Showing the " - Code '' is a FDCPA violation of section -/-/-f ( 8 ). And in their first letter I received from them, they are violating the FDCPA by only allowing me three options to resolve my account. SECURE ONLINE PORTAL, PAY BY MAIL,... |
Synchrony Bank Debt collection communication tactics frequent or repeated calls November 14, 2015 - Synchrony Bank repeatedly calls multiple times a day, sometimes about every two hours between their allotted harassing time. They always use a masked telephone number, presumably so I ca n't block whatever number they are calling from. Since my cell phone is also my work phone, their repeated calling disrupts my everyday work. ... |
Synchrony Bank Debt collection cont'd attempts collect debt not owed debt is not mine November 13, 2015 - during 2014 I purchased some window treatments from JC Penney company and returned the entire purchase. the store employee was new to JC Penney and did not know how to process a return in the store. After nearly 50 minutes at the store cash register she told us that her manager was not working today, but she would process the return for me and she issued via the cash register a return receipt for the amount I was owed. Nearly one year later - - contacted me by phone ask me to pay the JCPenney bill for less than $300.00. I asked them to send me a copy of the transaction from the store.... |
Synchrony Bank Debt collection communication tactics frequent or repeated calls November 7, 2015 - Getting 6 or more phone calls from Synchrony bank at all hours. From - - to - - ... |
Synchrony Bank Debt collection improper contact or sharing of info contacted me after i asked not to November 5, 2015 - keeps calling my job and harassing me at work on a debt that is over 15 years old ... |
Synchrony Bank Debt collection cont'd attempts collect debt not owed debt was paid November 5, 2015 - - shows the - accounts in a negative position - it is not true, and I need to remove the - from collections account on - credit reports. Look for attachments from - credit report - even - have written that - the account closed and paid in full. I demand to remove these - accounts of my report on - system. Only on - has these. Please help me Immediately clean my report. ... |
Synchrony Bank Debt collection communication tactics frequent or repeated calls October 30, 2015 - The problem is that I have asked them to call me with a phone number showing and they continue to call on unknown. I have no idea if the caller is really them and refuse to give any information. ... |
Synchrony Bank Debt collection taking/threatening an illegal action seized/attempted to seize property October 28, 2015 - after being - injured almost 5 yrs ago my husband is completely -, he spent 67 days -. and 32 days -, 2 yrs ago - sued him [ g e money bank original credit card ] we explained how we now live off of - ins. they of course did not care, The other day, we received in the mail a writ of execution on our savings ..it was frozen..we have a total of - in the account. These people are threatening to send the sheriff to come and walk through our home and take inventory of our belongings. The total they say we owe is - ... it may as well be - -. they are constantly harassin... |
Synchrony Bank Debt collection communication tactics frequent or repeated calls October 27, 2015 - These people ( - ) call almost every hour from - - -. When I answer the phone, they hangup. They have called repeatedly for two weeks. I looked their number up on google and found out that it is a collection agency for Sam 's Club - ... |
Synchrony Bank Debt collection cont'd attempts collect debt not owed debt is not mine October 27, 2015 - Debt acquired -/-/-. Original Creditor ( GE Capital ) apparently is now known as Synchrony Bank. Either the OC or Synchrony Bank sold the debt in -/-/-. Synchrony Bank - who no longer owns the debt ) has contacted the credit bureaus requesting to review my file on the following dates in - : -, -, -/-/-, -/-/-, -/-/-, -/-/-, -/-/-, -/-/-, -/-/- and in -/-/- : -/-/-, -/-/-, -/-/-, -/-/-, -/-/-, -/-/-, -/-/-, -/-/-, -/-/-, -/-/-, -/-/-, -/-/-, -/-/-, -/-/-, -/-/-... |
Synchrony Bank Debt collection taking/threatening an illegal action threatened to sue on too old debt October 24, 2015 - A company from phone number - called my place of work twice and is harassing my employers threatening to serve me papers at my place of work. They have not contacted me personally by mail or by my personal number. My boss has threatened to fire me over this. I do not know how they got my number at work. They say I owe them from a credit card I had in 2007 that was stolen from me. It was an attempted car jacking and my wallet was stolen along with my keys and all my credit cards. I do not appreciate being threatened at my place of employment and having my employers threaten my job over this.... |
Synchrony Bank Debt collection cont'd attempts collect debt not owed debt was paid October 20, 2015 - - - transferred me to his manager pertaining to my account with - - -. I received several phone calls from GE Money bank in -/-/- requesting payment on the account. Per the - he stated to send him an email at -- detailing the information that is on my credit report. He stated that - - failed to notify GE Money Bank that the credit card was paid -/-/-. I had a coworker listening to the conversation through each of the conversations with - -, - - as well as the managers. I was told that - - was not available to speak with but I could ... |
Synchrony Bank Debt collection disclosure verification of debt not given enough info to verify debt October 19, 2015 - on -/-/2015, I filed an dispute with - - - , -. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised - - - to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised - - - that not complying wit the FDCPA will put their company in a bad position with the CFPB. - - - never sent me a contract with my authentic signature that begun this alleged d... |
Synchrony Bank Debt collection cont'd attempts collect debt not owed debt was paid October 17, 2015 - I am writing in regards to my now closed, Paid in Full, purchased by - from Ge Capital Retail Bank. - sued me over this debt but the case was dismissed without prejudice and I was advised by - that the account will be deleted off my credit reports. Upon speaking with several supervisors at -, I was informed that while it is practice to update the credit reports as Paid '', I was also informed that if I chose to dispute the account once paid for a removal from my credit file, - would not fight me on this ''. I have received conflicting information from several different represe... |
Synchrony Bank Debt collection taking/threatening an illegal action threatened arrest/jail if do not pay October 14, 2015 - this is an issue of debt collection abuse this is against the law- - has a pending case of debt collection abuse from cfpb ... |
Synchrony Bank Debt collection communication tactics frequent or repeated calls October 12, 2015 - I submitted a payment to Synchrony Bank on -/-/15 regarding an credit account with Ethan Allen furniture. In the 3 days, from - I received - calls from Synchrony Bank - including calls on Saturday and Sunday. This level of harassment is unacceptable. ... |
Synchrony Bank Debt collection cont'd attempts collect debt not owed debt was paid October 12, 2015 - On - -, 2015 - - - sued me in - - - for an amount they alleged I owed on a Lowes credit card. On the afternoon of - - - 's attorney contacted my attorney and requested the continuance of a hearing that both parties agreed to. Despite their agreement to the continuance, on - -, 2015 - took a default judgment against me anyway in the - 's court. On - -, 2015, through my attorney I entered into a signed Settlement Agreement with - to pay an amount we agreed upon for full and final settlement of their claim against me. On - -, 2015, follo... |
Synchrony Bank Debt collection communication tactics frequent or repeated calls October 11, 2015 - i lost my business and lost almost - doller and my debt collecting companies were keep calling frequently and any how i managed to pay off all their debt and i made settlement on time, but the have destroyed my credit score history and they put as a charged off account on my credit report. i need please attention to the issue ... |
Synchrony Bank Debt collection improper contact or sharing of info contacted me after i asked not to October 6, 2015 - I have asked them to stop calling me and they call me all day and more than - times an hour ... |
Synchrony Bank Debt collection disclosure verification of debt not given enough info to verify debt October 5, 2015 - This debt is not valid. Original creditor falsely marketed with deceptive practices. False debt relief offers. ... |
Synchrony Bank Debt collection communication tactics frequent or repeated calls October 2, 2015 - I have a - credit card, which is handled by Synchrony bank. I 'm receiving abusive and harassing phone calls from Synchrony bank from the phone number - - - - -, which is a skype number. Collection activity has been outsourced to people in -, in the -. They are obviously not aware of the FDCPA, because when I asked if they knew about it, they said no. I asked because they have violated the law multiple times with me. First, they call me FOUR times daily, every day for the past week. That 's harassment. Second, I asked them to cease contact, as I am aware of the debt. Fu... |
Synchrony Bank Debt collection improper contact or sharing of info talked to a third party about my debt September 30, 2015 - - - - called my home - before -I had left the houseMy ( soon to be ) ex husband ( we are still legally married ) answered the phonethe Caller Identified herself as - - from - - - and asked my husband who he was, he answered her Husband '' the debt is in my name only but she then proceeded to share all the information about the debt with him ... .. the account number - who it was owed to and the amountHe then texted me immediately and I called him - he had written all the info down and said she was more than happy to share all the info with him about the debtthis ... |
Synchrony Bank Debt collection cont'd attempts collect debt not owed debt is not mine September 27, 2015 - Was n't aware of debt till requesting credit report ... |
Synchrony Bank Debt collection taking/threatening an illegal action threatened to sue on too old debt September 26, 2015 - Company contacted me through a family member saying they were a legal service attempting to serve me on a debt from -/-/-After an hour long conversation and pressuring me to make a payment arrangement and give payment information they sent me an email contract for payment plan '' I gave them my checking account number for an over the phone payment which they stated the confirmation would be mailed to me in a few days after the payment cleared. I just wanted to be done with it. Later that night I started thinking about it and considering maybe it was a scam and after some digging I call t... |
Synchrony Bank Debt collection communication tactics frequent or repeated calls September 24, 2015 - They 've called me - times in 14 days ... and its still -. So, I 'm sure I 'll get a - more today. ... |
Synchrony Bank Debt collection taking/threatening an illegal action attempted to/collected exempt funds September 24, 2015 - My wife had been paying on a debt from GE money. Even though she was paying, they closed her account. She then became - and could not pay. Right after a - injury, they sued her and forced her to go into court with her attorney even though the doctors all documented -. She was coerced into making an agreement for $25.00 a month, even though the doctors permanently took her off of work. We almost lost the house and we had to take all of our money and pay our debt because our mortgage company went bankrupt and made a mistake on our mortgage. She could no longer pay GE. She tried to con... |
Synchrony Bank Debt collection cont'd attempts collect debt not owed debt resulted from identity theft September 23, 2015 - - - has made many attempts to collect a debt originally granted from GE Money Bank. They are reporting this collection to my - credit bureau reports. After many attempts on heir part I finally agreed to pay $25.00 a month and they are direct drafting payments from my bank account. However, CFPB ADMINISTRATIVE PROCEEDINGFile No. - has now come to my attention and I believe that I qualify for protection/relief under this action. ... |
Synchrony Bank Debt collection cont'd attempts collect debt not owed debt is not mine September 23, 2015 - I was shopping at old navy when the cashier asked me if I wanted a rewards card '' I asked her if it was like a credit card and she said No '' so I said ok, then I swiped my credit card and signed ( which I later found out that she had me sign for an old navy credit card '' I NEVER received a card, never activated any card but yet they are telling me I have owed money on a credit card. I have been telling the company and every debit collector this story and I have paid money on it to have them to stop building interest on this card. The cashier lied and tricked me so that she could be reware... |
Synchrony Bank Debt collection cont'd attempts collect debt not owed debt was paid September 23, 2015 - My elderly mother - - was - - 2015 and I her daughter - - went a gathered all her bills to be paid, - account with Synchrony Bank was delinquent and was sent to - -, - '' in the amount of $310.00, I paid the account in full on -/-/2015 -/-/2015 Synchrony Bank sent a statement with a new balance of $94.00 with no previous notification or services provided to my mother. I sent Synchrony Bank in writing a letter stating the account was settled, they sent back a letter to her to contact the collection dept. to be better able to assist her. So together we call... |
Synchrony Bank Debt collection communication tactics frequent or repeated calls September 21, 2015 - - - - calls me approximately - times a day. These calls begin before - -. They also continue to call me at work, even after they have been told by my employer that this is not allowed. Sometimes they call me every - minutes all day long. They have been notified that they are not allowed to call me with this frequency. They continue to do so. When I asked them for an address so that I may file a complaint against them, they would not give it to me. ... |